| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS TEXAS, INC.3 | 5420 LBJ FWY STE 295 DALLAS, TX 75240 | UNITED HEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.00% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 4 WESTBROOK CORPORATE CENTER #500 WESTCHESTER, IL 60154 | UNITED HEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.00% |
| BENCHMARK PLANNING GROUP LLC3 Filed as: BENCHMARK PLANNING GROUP, LLC | 65 MECHANIC ST # 205 RED BANK, NJ 07701 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.00% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVE OF THE AMERICAS 18TH FL NEW YORK, NY 10019 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.00% |
| BENEFITS CONCEPTS INC3 | 1173 BRITTMOORE HOUSTON, TX 77043 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.00% |
| ENDEAVOR INSURANCE SERVICES, INC.3 | PO BOX 198 GREER, SC 29652 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.00% |
| NEW AGENCY PARTNERS, LLC3 Filed as: NEW AGENCY PARTNERS | 99 CHERRY HILL RD #200 PARSIPPANY, NJ 07054 | UNITED HEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.00% |
| LIFE PLANS INC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | UNITED HEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.00% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVE #2 HIGHTSTOWN, NJ 08520 | UNITED HEALTHCARE INSURANCE COMPANY | — | $736 | $736 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR W # 500 ST LOUIS, MO 63110 | UNITED HEALTHCARE INSURANCE COMPANY | — | $633 | $633 | 0.00% |
| BENSMAN ASSOCIATES LTD3 | 2333 WAUKEGAN RD # 275 BANNOCKBURN, IL 60015 | UNITED HEALTHCARE INSURANCE COMPANY | — | $553 | $553 | 0.00% |
| JOHN H KRANTZ III3 | 12801 N CENTRAL EXPRESSWAY # 1710 DALLAS, TX 75243 | UNITED HEALTHCARE INSURANCE COMPANY | — | $268 | $268 | 0.00% |
| SPECTRUM BENEFITS LLC3 | 5151 BELT LINE RD # 715 DALLAS, TX 75254 | UNITED HEALTHCARE INSURANCE COMPANY | — | $232 | $232 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 122,358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,602 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124,960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(19 contracts, 8 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 236,013 | $1.2B |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 236,013 | $1.0B |
| Vision | VISION SERVICE PLAN | 116,177 | $9.2M |
| Prescription drug(19 contracts, 8 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 236,013 | $1.2B |
| Other | UNITED HEALTHCARE INSURANCE COMPANY, OPTUM CARE 24 | 177,329 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236,013 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.